Currency transfers

You’re able to move money online between any of the supported currencies - USD, GBP, EUR, THB, NZD, SGD, HKD, CAD, JPY, AED, and AUD using the Qantas Money app or website.

Select which currency you want to use.

Enter how much you’d like to transfer.

Choose which currency you’d like to transfer the funds into.

Before you confirm your transfer, we’ll show the currency exchange rate and how much of the new currency you’ll receive, so you'll always know your locked-in exchange rate.

Card to card transfers

Want to do an instant transfer to another Qantas Frequent Flyer member who has activated their Qantas Travel Money card? Log in to your Qantas Money account and select ‘Card to Card transfer'.

Cashing out

You can withdraw money from your Qantas Travel Money account to your personal Australian bank account at any time. We do not charge fees for these withdrawals, and you can withdraw as many currencies as you like.

Currency &amp; Rates

Travel money transfer tips

Moving funds / ATM Withdrawals

You can cash out or move any leftover currencies from your Qantas Travel Money card. Choose 'credit' when withdrawing at ATMs or using your card at shops.

Deposit payments

Avoid using your Qantas Travel Money card as a security deposit for hotel bookings or car rentals. It can take up to 30 days for merchants to remove the pre-authorisation which means you won't have access to funds immediately. Use a suitable credit card for security deposit payments.

Manage funds on the go

Use the Qantas Money App to check your balance and exchange rates, and transfer between currencies in real time.

Manage your account

Learn more about travel money transfer

There is a transfer limit of AU$3,000 or equivalent in any 24-hour period. This is the maximum amount you can transfer using the card-to-card feature either via the website or mobile app.

There are three ways to transfer money using your Qantas Travel Money Card:

Currency transfers – you can move money between any of the 11 supported currencies using the Qantas Money app or website.

Card-to-card transfers – you can transfer to another Qantas Frequent Flyer member who has activated their Qantas Travel Money Card.

Cash out – You can cash out funds from your Qantas Travel Money Card to your personal Australian bank account. There are no fees or charges, and you can cash out as many currencies as you want.

It depends on how you’re spending your money. There’s no limit to what you can purchase over the counter using the debit card functionality however, there are limits to how much you can withdraw from an ATM or get back as cash over the counter. These limits are:

AU$3,000 or equivalent in foreign currency from an ATM in any 24-hour period

AU$350 or equivalent in foreign currency in cash over the counter*

*Some financial institutions may set their own withdrawal limits which may be lower.

You can use your card for online purchases when you’re overseas or at home, just as you would a debit card. You are able to load and spend the currency of your favourite international retailers, plus, you’ll avoid international conversion fees.

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Important Information

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Qantas Travel Money is a prepaid Mastercard® payment facility built into the back of the Qantas Frequent Flyer Membership Card. To be eligible to receive the Qantas Card with the option of Qantas Travel Money you must be an Australian resident Qantas Frequent Flyer member 16 years of age or older. Heritage Bank Limited (AFSL 240984) (the Issuer) issues Qantas Travel Money under arrangements between it, Qantas Airways Limited (AFS representative number 261363) and Mastercard Prepaid Management Services Australia Pty Ltd (AFSL 386837) (a Mastercard business). Mastercard Prepaid Management Services Australia Pty Ltd distributes Qantas Travel Money (together with Qantas which is an authorised representative of Mastercard Prepaid Management Services Australia Pty Ltd for the purposes of providing general financial product advice with respect to Qantas Travel Money).

This information is not personal advice and has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the Qantas Travel Money facility having regard to those matters. A Product Disclosure Statement (PDS) in respect of Qantas Travel Money is available via qantastravelmoney.com. A person should obtain and consider the PDS before making any decisions about whether to acquire or continue to hold the prepaid facility.

Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. Eligible purchases do not include money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. You do not earn Qantas Points when loading funds to your facility, transferring funds to another currency balance or another member’s facility or when withdrawing funds from ATMs or cashing out your facility balance. Purchases that are reversed, refunded or charged-back are also ineligible for Qantas Points earn, in addition to fees incurred. Qantas Points are earned as follows: 1.5 Qantas Points per AU$1 spent in foreign currency and 1 Qantas Point per AU$4 spent in Australian dollars. Qantas Points are calculated using the Qantas Travel Money Daily Rate as defined in the PDS, and may vary daily. For more information see qantastravelmoney.com or contact Mastercard Qantas Travel Money Global Support.

Qantas Travel Money is unable to be used for purchases related to gambling or adult entertainment. Currently Qantas Travel Money cannot be used in the following countries and geographical regions due to sanctions that are currently in place: Crimea, Iran, North Korea, Sudan and Syria. If you attempt to withdraw cash from an ATM or use your Card at merchants in any of these countries and geographical regions, your request will be declined. In addition, ATMs or POS terminals may not be owned or operated by the Issuer or Mastercard Prepaid Management Services Australia Pty Ltd and the Issuer and Mastercard Prepaid Management Services Australia Pty Ltd are not responsible for ensuring that merchants will accept the Qantas Travel Money card. For example, the Issuer and Mastercard Prepaid Management Services Australia Pty Ltd cannot control when an ATM or POS terminal is due for maintenance or is faulty or if a merchant chooses not to accept the Qantas Travel Money card. In such cases, your Qantas Travel Money card may not function properly or may be declined. For more information please see the Product Disclosure Statement at qantastravelmoney.com.

Exchange rates for initial loads and subsequent reloads made using Bank Transfer, BPAY or Instant Load via qantastravelmoney.com will be set at the prevailing exchange rate set out at qantastravelmoney.com at the time you request the load provided the transaction is settled within four hours. Different exchange rates apply for loads initiated directly via Bank Transfer or BPAY using your Unique Payment Details (i.e. not via qantastravelmoney.com). If you initiate a load or reload via Bank Transfer or BPAY using your Unique Payment Details, the exchange rate applied will be the prevailing exchange rate at the time the funds are received into your facility. For more information on how exchange rates are set and applied, please see the Product Disclosure Statement.

A foreign exchange rate will apply to foreign exchange transactions in accordance with clause 7 of Part B of the Qantas Travel Money PDS which can be found here.

Some ATM operators may charge a withdrawal fee. In addition, if relevant a foreign exchange rate may be applied in accordance with clause 7 of Part B of the Qantas Travel Money PDS which can be found here.

For an example of how this fee is applied please refer to section 6 Part A of the Qantas Travel Money PDS which can be found here. You may be charged other fees by third parties in relation to Instant Load transactions (for example, fees charged by your financial institution).

For an example of how this fee is applied please refer to section 6 Part A of the Qantas Travel Money PDS which can be found here. You may be charged other fees by third parties in relation to Instant Load transactions (for example, fees charged by your financial institution).

Maximum cash you can withdraw over the counter at a financial institution in any 24 hour period. Some financial institutions may set their own withdrawal limits which may be lower than this limit.

In order to be eligible for the 100 bonus Qantas Points, customers must download and log into the Qantas Money app - ongoing offer. Points will be usually credited to the Qantas Frequent Flyer account up to 6 to 8 weeks after download and log in. If customers have downloaded and logged into the Qantas Money app prior to this period, they will not be eligible for the 100 bonus Qantas Points.

In order to be eligible for the 200 bonus Qantas Points, customers must download and log into the Qantas Money app and connect at least one supported bank account - ongoing offer. Although most major banks are supported, there are some smaller institutions not currently available. The list of supported banks can be found by logging in to the Qantas Money app, clicking on settings and "Connect accounts". The full list of supported banks will display. Points will be usually credited to the Qantas Frequent Flyer account up to 6 to 8 weeks after connection. If customers have connected an account in the Qantas Money app before, they will not be eligible for the 200 bonus Qantas Points, as this is for new users only.